We work with individual investors just like you every day. And over the years, experience has taught us that time in the market – not timing the market – is a solid strategy for success. Dollar cost averaging can help you build your portfolio over time and potentially smooth out the bumps along the way.

So how does it work? With dollar cost averaging, you steadily build your portfolio by investing a fixed dollar amount at regular intervals. By investing on a set schedule, you develop discipline that can help you be a better long-term investor. Plus, investing systematically lets you buy more shares when the price is low and fewer when the price is high. Think of it this way: It helps "average out" your share price over time.

It's all about the C's

• Convenience – Once you've decided on a fixed dollar amount to systemically invest, you take the procrastination out of the situation. It's built-in discipline to help you cross several savings goals off your to-do list each month.
• Consistency – Every month, regardless of market movements, you are accumulating shares continuously and consistently.
• Choice – You can systematically invest in mutual funds, annuities and even individual stocks.
• Control – Dollar cost averaging lets you focus on what you can control – investing a set amount on a regular basis – rather than what you can't: the ups and downs in the market.

Getting started is easy

• Call your local financial advisor to learn more about how the program works. When you are ready, just give written authorization to enroll.
• You can change or stop the program at any time with just a phone call.
• We do all the record keeping for you.
• Take advantage of our convenient and complimentary automatic money transfer from a checking, savings or money market account so you have one less thing to worry about.